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Flexible Non-QM Loans for Self-Employed Borrowers
Custom Financing Without the Traditional Income Hurdles
Our Flexible Non-QM program is designed for borrowers who don’t fit the conventional lending mold — especially self-employed professionals and entrepreneurs. Instead of requiring tax returns, we qualify you using bank statements to show true cash flow. With high LTV options, competitive rates, and flexible documentation, you can secure financing that works with your unique financial picture.
FAQs
Do I need to provide tax returns?
No — we qualify you using bank statements only.
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Can I use business funds for my down payment?
Yes — business funds, gift funds, and equity gifts are allowed.
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What’s the maximum loan size?
Up to $3 million.
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Is this program available for investment properties?
Yes — up to 80% LTV for investment property purchases.
Why This Program Works for Self-Employed Borrowers
Many business owners can’t show their true income on tax returns due to legal deductions. This program evaluates your actual bank deposits, giving you credit for the income you really have.
Program Highlights:
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12 months of bank statements to qualify
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DTI up to 50%
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Minimum 660 FICO
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Max loan amount $3M
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Up to 90% LTV on purchases, 80% on investments
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Gift funds, business funds, and equity gifts allowed
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40-year fixed and 5/6 or 7/6 ARM options
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Buydown options available